As of 2026, the USDA loan limit in Nipomo, county of San Luis Obispo, CA, is $644,000, while the FHA limit for a single-family home stands at $911,950.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. This tool helps you identify the income, credit, reserves, and paperwork necessary for qualification. You can compare USDA, FHA, Conforming, and VA loans side by side using our enhanced mortgage calculator. This will assist you in selecting the most suitable financial program for your needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $644,000 | 0% |
| FHA | $911,950 | 3.5% |
| Conventional Conforming | $911,950 | 3% |
The primary goal of Lendersa® is to secure the best possible USDA or FHA loan for you with speed and without hassle. Choose from one of the three starting points which will connect you with suitable lenders and USDA loan programs.
A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and it's available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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